“I don’t think we should preach the mantra that people should get away from their 401(k) entirely,” Boyles says. “Employer matches are still free money that millennials should take advantage of, if possible, but I do think that we should consider why so many people are choosing on their own to eschew 401(k) plans altogether. This is already happening, in particular among mid-range millennials between the ages of 22 and 30.”

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